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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $247,673 | $202,342+22.4% | $172,752+43.4% | $152,897+62.0% |
| Participation rate | 54.5% | 87.1%-32.5pp | 82.6%-28.1pp | 82.5%-27.9pp |
| Annual return | 20.75% | 1029.83%-1009.1pp | 802.97%-782.2pp | 345.43%-324.7pp |
| Employer contribution / active EE | $2,407 | $5,858-58.9% | $5,144-53.2% | $4,764-49.5% |
| Participant deferral / active EE | $5,862 | $5,948-1.4% | $5,198+12.8% | $5,851+0.2% |
| Admin fee / account holder | $1,510 | $17,111-91.2% | $13,955-89.2% | $11,599-87.0% |